Four Tips on Filing a Long Term Disability Insurance Claim

Long-term disability insurance should be a part of most individuals financial planning.  It protects you and your family in the event that you are unable to work due to an illness, injury or other medical condition.  To the surprise of disability insurance policyholders, the claim's process can be riddled with complexities that exist to stymie claims and benefit payments.  Below are four tips to consider when filing a long term disability insurance claim:

  • Read your disability insurance policy: Once you have located your long term disability insurance policy, read it carefully. Disability policies written many years ago are different than those offered today. Is your policy an "own occupation" vs. "gainful (any) occupation policy." Go here to learn more about this topic.
  • Speak with your medical doctor: Let your doctor know that you will be filing for long term disability insurance benefits. Inform your doctor to clearly note in your medical records the diagnoses, but more importantly, to clearly note how this disabling condition restrains you from performing your occupation's work duties or any other occupational duties.
  • Consult with an experienced disability insurance lawyer: Not all lawyers are well versed in the long term disability insurance law world, especially employer based policies which are covered under the Employer Retirement Income Security Act of 1974 (ERISA). Go here to learn more on selecting the right disability insurance attorney for you.
  • Prepare yourself for the claims process: Insurance companies will investigate you and your activities. Field investigations may be conducted, including unannounced home visits, speaking with your neighbors, videotaping you, gathering all of your medical records, speaking to your doctors, and even running your name through internet search engines to see what comes up. Facebook and other social media sites are proving to be beneficial to insurance companies as they seek to prove that you are not disabled by printing pictures and other information directly from your personal internet web pages.  Make certain that you document the claims process by keeping notes, keeping copies of all records provided to the insurance company, and keeping a list of the names and contact information of all of the players involved in your claim.

The Law Firm of J.P. Gonzalez-Sirgo, P.A. represents individuals that have had their valid long term disability insurance benefits denied, delayed or terminated.

You can reach Miami Long Term Disability Insurance Claims Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email J.P. directly at [email protected].

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